If you are looking for a way out of your credit problems, beware of so-called “credit repair” companies that claim they can change or erase negative information from your credit report. If a credit repair company promises it can clean up your credit report, remember the following:
• Credit bureaus can legally report negative credit information for seven years and bankruptcy information for ten years, as long as the information is accurate.
• If you have poor credit history, even if your past problems were due to illness or unemployment, time is the only thing that will repair your credit report.
• The only information in your credit report that can be changed are items that are actually wrong or beyond the
seven or ten year reporting period.
Remember, there is no quick or easy cure for a poor credit history! Pay bills promptly to avoid late fees and when
times get tough, contact your creditor to work out a solution rather than ignoring the problem.
Be Aware of Scams
United Poles Federal Credit Union will never send an email, text message or make calls requesting your account number, PIN or debit/credit card information. Never respond to a request for this information. If you have a doubt about who is calling you, call back the number you have on record for the Credit Union. Also, check your debit and credit card statements on a regular basis and report any unusual activity to the Credit Union.
Information sent by:
BRANCH OFFICES UNITED POLES FEDERAL CREDIT UNION:
1161 W Saint Georges Avenue
Linden, NJ 07036
tel: 908-523-0008
fax: 908-523-1790
412 New Brunswick Avenue
Perth Amboy, NJ 08861
tel: 732-442-5648
fax: 732-442-1443
www.UnitedPolesFCU.com
1-800-333-7713
BUSINESS ONLINE CATALOG
